Employee Benefits Solutions for Washington Employers

Planning Before Decisions Become Urgent

A good employee benefits renewal strategy starts well before the renewal date.

We help employers review plan performance, available claims or utilization information, contribution strategies, employee needs, carrier options, and overall costs before making decisions.

Our goal is to give employers enough information and time to make thoughtful choices rather than reacting to a renewal at the last minute.

Health Insurance Options for Employers

We help employers evaluate group health insurance based on cost, plan design, network access, employee needs, and business priorities.

Depending on the organization, that may include fully insured, level-funded, or other appropriate funding approaches.

We help employers understand the differences so they can determine which approach makes sense for their workforce and budget.

Building a More Complete Benefits Package

A strong employee benefits program goes beyond medical coverage. Royal Benefits helps employers evaluate and implement:

• Dental coverage
• Vision coverage
• Group life insurance
• Short-term disability
• Long-term disability
• Accident coverage
• Critical illness coverage
• Hospital indemnity
• Other voluntary employee benefits

We help employers determine which options add value without unnecessarily complicating the benefits package.

Helping Employees Understand Their Benefits

Employees are more likely to value their benefits when they understand them.

We provide employee benefits education and enrollment support to help employees understand their options and make informed choices.

Support may include group meetings, individual enrollment conversations, virtual enrollment, and benefits communication materials.

Making Benefits Easier to Manage

We help employers use benefits technology to simplify enrollment and ongoing administration.

This may include HRIS and enrollment platform support, carrier coordination, eligibility management, new-hire enrollment, qualifying life events, and annual open enrollment support.

Our goal is to reduce the administrative burden on employers while creating a smoother experience for employees.

Support Beyond Open Enrollment

Our work continues after enrollment is complete. We assist employers and employees with:

• Benefits questions
• Carrier issues
• Enrollment changes
• Eligibility questions
• New hires
• Qualifying life events
• Ongoing benefits administration
• Plan changes
• Carrier communication

Benefits questions happen throughout the year. Your broker should still be there when they do.